Merchants and Farmers Bank's Privacy Commitment
Merchants and Farmers Bank is committed to respecting the individual privacy
of consumers. We value the trust you have placed in us to maintain the
security and confidentiality of your financial information. Merchants and
Farmers Bank promises to use the information about you in a responsible
manner and we believe it is important for you to be informed about our
efforts to safeguard your privacy. Merchants and Farmers Bank has adopted
At Merchants and Farmers Bank, we have no higher priority than the security
and privacy of your financial information. This information is essential for
us to provide you with the superior customer service that you deserve and we
consider it a valuable asset that requires our protection. We only grant
access to nonpublic personal information about you to employees, affiliates
and service providers in order for them to provide or offer financial
products and services. We do not sell your information to outside marketers.
In addition, we maintain physical, electronic and procedural safeguards that
comply with federal standards to protect your personal information.
Merchants and Farmers Bank continually monitors and reviews all of its
security protection measures and as improved practices or new technology
becomes available, we will adopt those that we believe may improve the
security of your confidential financial information.
In the following sections you will find our policies regarding the
collection, use and disclosure of customer information. These policies
describe the types of information that are collected, and how and why that
information may be shared with others.
The main reason that we collect and retain information about you is to
provide the products and services that you request. This nonpublic personal
information may be collected from a variety of sources such as the
- Information that you provided to us on applications or other Merchants and
Farmers Bank forms such as income, social security number, e-mail address,
assets or debt information;
- Information about your transaction history with us or our affiliates such
as account balances, account activity and usage, and payment history;
- Information that we receive from a credit bureau that includes credit
history and employment verification.
Information Use and Sharing
We use and may share nonpublic personal information that we collect about
you to accomplish the following:
- To provide you with a product or service that you have requested;
- To protect you by identifying you and preventing unauthorized persons from
accessing your information or accounts;
- To provide you with a superior customer service experience;
- To offer you additional financial products or services, from us, our
affiliates or other financial services providers, that may be of interest to
- To comply with reporting and other legal requirements.
Information Sharing with Third Parties Permitted by Law
We are permitted under the privacy law to share information we collect with
certain third parties that are necessary to provide a requested product or
service (under "Servicing Arrangements") or when we have an agreement with a
provider of specialized financial services to jointly offer products that
enhance our ability to serve your needs (under "Marketing Agreements"). For
example, we offer check printing and bill payment under Servicing
Arrangements. We currently offer brokerage services and annuities under
Marketing Agreement. The companies that we engage for these services are
reputable and are under contract with us to maintain your privacy and the
confidentiality of your nonpublic personal information. Third parties may
also include credit-reporting agencies to which we report information about
your transactions with us and as permitted by law to third parties in
response to subpoena, court order or other appropriately documented
authority. You can authorize us to release your information to third parties
on your behalf.
When you visit our website to view any page or read product information, you
do so without telling us who you are and without revealing any personal
information. The only information that we normally collect and store is:
- The name of your Internet Service Provider,
- The website that referred you to us (if any),
- The type of browser used,
- The page or pages you requested.
We do not place �cookies� on your computer when navigating our website.
�session� cookies that are created when you log in to review your secured
account information. This session cookie is destroyed when you exit your
online account access. Merchants and Farmers Bank does not collect any
personal information using cookies.
There are instances where you may elect to provide us with personal
information. If you fill out one of our contact forms or quick applications
or if you send us an e-mail, you are transmitting the information that
appears to you in the form or message. This will typically include
information like your name, mailing address, e-mail address, the kind of
request you are making and any other information necessary to fulfill your
request. You do not transfer personally identifying information that you do
not enter yourself. This information is used internally only for the purpose
of fulfilling your request or for contacting you directly and is not sold to
any other organization.
When you input nonpublic personal information via one of our Quick
Applications or Applications, that information is encrypted or scrambled by
your browser before it is transmitted back to our website. This effectively
prevents anyone from intercepting and reading any personal information about
you. Encryption is in place when you use your web browser with one of our
website application forms and while accessing your account information.
Please do not send any nonpublic personal information to us in an e-mail.
Encryption does not take place if you send us e-mail, which is not a secure
form of communication with us.
Merchants and Farmers Bank works hard to ensure that our customer's
information is complete and accurate. Your role in this process is to
conduct a timely review of all statements, bills and notices that we provide
you and to notify us of any discrepancy. Merchants and Farmers Bank
occasionally may contact you about our product and service offerings by
telephone or e-mail. When we contact you, we do not request any personal
information (such as your PIN or password) and limit our inquiries only to
the information necessary to identify you as our customer. You may contact
us at 1-205-372-3311 if you have any concerns about the accuracy of your
Merchants and Farmers Bank
302 Prairie Ave
Eutaw. Al 35462
Thank you for the trust you have placed in us. We value your business and we
will continue to be committed to your privacy.
Merchants and Farmers Bank. "You", "yours" refers to each individual who is
one of our customers or former customers who obtained or requested a
consumers who are Merchants and Farmers Bank customers or former customers
in the United States.
Our website does not collect information from children under the age of 13, nor do we have a specific area for children, and therefore does not fall under the definition of a website covered by the Children�s Online Privacy Protection Act. However, if this were to change in the future, we would comply with all requirements of COPPA.
Privacy and Security Policy